{"id":1256,"date":"2016-06-03T09:37:19","date_gmt":"2016-06-03T07:37:19","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/des-taux-de-credit-immobilier-toujours-plus-bas"},"modified":"2021-07-28T15:32:30","modified_gmt":"2021-07-28T13:32:30","slug":"des-taux-de-credit-immobilier-toujours-plus-bas","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/des-taux-de-credit-immobilier-toujours-plus-bas","title":{"rendered":"Des taux de cr\u00e9dit immobilier toujours plus bas"},"content":{"rendered":"<section class=\"l-section wpb_row height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Ce n&rsquo;est plus une baisse, c&rsquo;est une chute libre historique. En recul depuis fin 2015, les taux de cr\u00e9dit immobilier atteignent un nouveau point bas en juin 2016. Selon l&rsquo;observatoire Cr\u00e9dit Logement\/CSA, un pr\u00eat \u00e0 l&rsquo;habitat se n\u00e9gocie en moyenne \u00e0 1,77%, hors assurance emprunteur et co\u00fbt des garanties. Comme \u00e0 l&rsquo;accoutum\u00e9e, les cr\u00e9dits accord\u00e9s pour l&rsquo;achat d&rsquo;un logement neuf se situent \u00e0 un niveau un peu plus \u00e9lev\u00e9 (1,84%) que ceux distribu\u00e9s pour l&rsquo;acquisition d&rsquo;un logement ancien (1,71%).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Jusqua_120_sur_20_ans\"><\/span>Jusqu&rsquo;\u00e0 1,20% sur 20 ans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ab <em>L&rsquo;ensemble des dur\u00e9es, longues comme courtes, sont concern\u00e9es avec des taux en baisse pour les moyennes affich\u00e9es de pr\u00e8s de 0,10%<\/em> \u00bb par rapport au mois de mai, analyse la directrice de la communication de Meilleurtaux.com Ma\u00ebl Bernier. <a href=\"https:\/\/credits.toutsurmesfinances.com\/courtier-en-pret-immobilier-pour-obtenir-un-meilleur-taux-de-credit.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Le courtier en cr\u00e9dit<\/strong><\/a> \u00e9value ces moyennes \u00e0 1,59% sur 15 ans, 1,79% sur 20 ans et 2,09% sur 25 ans. Et les banques sont pr\u00eates \u00e0 aller plus loin. \u00ab <em>Les d\u00e9cotes sont nombreuses et assez simples \u00e0 obtenir, y compris avec un dossier moyen<\/em> \u00bb, avance le courtier. Les taux les plus comp\u00e9titifs, r\u00e9serv\u00e9s aux meilleurs dossiers, se situent quant \u00e0 eux entre 1,20 et 1,51% sur 20 ans.<\/p>\n<p>La forte concurrence entre les \u00e9tablissements bancaires continue ainsi de profiter aux particuliers. Depuis d\u00e9but 2016, les banques cherchent \u00e0 profiter du rebond du march\u00e9 immobilier pour capter de nouveaux clients, y compris des primo-acc\u00e9dants soutenus par l&rsquo;am\u00e9lioration du pr\u00eat \u00e0 taux z\u00e9ro (PTZ). \u00ab <em>Aucune banque ne veut passer \u00e0 c\u00f4t\u00e9 de l&rsquo;opportunit\u00e9<\/em> \u00bb, explique Ma\u00ebl Bernier. Pour illustrer cette tendance, Meilleurtaux.com \u00e9voque notamment le cas d&rsquo;une enseigne nationale* qui a diminu\u00e9 ses taux standard de 0,30 point, \u00ab <em>s&rsquo;alignant ainsi sur les bar\u00e8mes d\u00e9j\u00e0 pratiqu\u00e9s par les autres \u00e9tablissements<\/em> \u00bb.<\/p>\n<p><!-- \/13306350\/Credit_article_milieu_600x90 --><\/p>\n<div id=\"div-gpt-ad-1468854254337-0\" style=\"height: 90px; width: 600px; margin: auto;\"><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Des_taux_divises_par_3_depuis_les_annees_2000\"><\/span>Des taux divis\u00e9s par 3 depuis les ann\u00e9es 2000<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.toutsurmesfinances.com\/immobilier\/achat-immobilier-du-projet-au-credit-comment-les-francais-passent-a-l-acte.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Les candidats \u00e0 l&rsquo;achat immobilier<\/strong><\/a> ont donc tout int\u00e9r\u00eat \u00e0 se lancer pour profiter de ces conditions de financement exceptionnelles. \u00ab <em>Jamais depuis la Lib\u00e9ration, les taux des cr\u00e9dits immobiliers n&rsquo;\u00e9taient descendus aussi bas<\/em>, souligne ainsi l&rsquo;observatoire Cr\u00e9dit Logement\/CSA. <em>Leur niveau a d&rsquo;ailleurs \u00e9t\u00e9 divis\u00e9 par plus de trois depuis le d\u00e9but des ann\u00e9es 2000.<\/em> \u00bb Concr\u00e8tement, la capacit\u00e9 d&#8217;emprunt a grimp\u00e9 de 50% depuis cette \u00e9poque, comme l&rsquo;explique la responsable des relations bancaires du courtier Vousfinancer.com Sandrine Allonier.<\/p>\n<blockquote class=\"twitter-tweet\" data-lang=\"fr\">\n<p dir=\"ltr\" lang=\"fr\">Les taux ont \u00e9t\u00e9 divis\u00e9s par 3 depuis 2000 et la capacit\u00e9 d&#8217;emprunt sur 25 ans pour 1000 \u20ac par mois a augment\u00e9 de 50 % <a href=\"https:\/\/twitter.com\/CreditLogement\">@CreditLogement<\/a><\/p>\n<p>\u2014 Sandrine Allonier (@sallonier) <a href=\"https:\/\/twitter.com\/sallonier\/status\/738354555025510400\">2 juin 2016<\/a><\/p>\n<p>&nbsp;<\/p>\n<\/blockquote>\n<blockquote class=\"twitter-tweet\" data-lang=\"fr\">\n<p dir=\"ltr\" lang=\"fr\">Si on pouvait emprunter 160 000 \u20ac sur 25 ans \u00e0 5,75 % en 2000, on peut aujourd&rsquo;hui obtenir 240 000 \u20ac \u00e0 1,75 %, soit 50 % de plus !<\/p>\n<p>\u2014 Sandrine Allonier (@sallonier) <a href=\"https:\/\/twitter.com\/sallonier\/status\/738355132845457412\">2 juin 2016<\/a><\/p>\n<\/blockquote>\n<p><em>*A distinguer des banques mutualistes (Cr\u00e9dit Agricole, Cr\u00e9dit Mutuel, Caisse d&rsquo;Epargne, Banque Populaire) organis\u00e9es en caisses locales et r\u00e9gionales.<\/em><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Les taux d&#8217;emprunt continuent de diminuer inexorablement. Un pr\u00eat immobilier sur 20 ans se n\u00e9gocie en moyenne sous 1,80% et m\u00eame 1,50% pour les meilleurs dossiers. Du jamais vu.<\/p>\n","protected":false},"author":13710,"featured_media":1255,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Des taux de cr\u00e9dit immobilier toujours plus bas<\/title>\n<meta name=\"description\" content=\"Les taux d&#039;emprunt continuent de diminuer inexorablement. Un pr\u00eat immobilier sur 20 ans se n\u00e9gocie en moyenne sous 1,80% et m\u00eame 1,50% pour les meilleurs dossiers. 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